EPF Interest for FY 2024–25 Credited at 8.25%: How to Check Your Balance

The Employees’ Provident Fund Organisation (EPFO) has started adding the interest for the financial year 2024–25 to members’ provident fund accounts. Although no official emails or SMS notifications have been issued so far, many account holders have already noticed the interest credited in their passbooks.

Back in February 2025, the Central Board of Trustees of the EPFO recommended setting the interest rate at 8.25%. After the Finance Ministry approved this proposal, the rate is now in effect. Across India, there are around 8 crore EPF accounts.

How EPF Interest Is Calculated

Each month, both employees and employers deposit money into the EPF account. The employee contributes 12% of their basic salary fully to the provident fund. The employer also contributes 12%, but this amount is divided—8.33% is allocated to the pension scheme, and the remaining 3.67% goes into the EPF.

While EPFO calculates interest on these contributions every month, the credited interest generally appears in the passbook only after the financial year ends, usually sometime between June and August. The interest is compounded annually, but it is not paid on the pension portion of the employer’s contribution.

Steps to Check Your EPF Interest

Here’s how to check whether your EPF interest has been credited:

• Go to the EPFO website at epfindia.gov.in.
• Navigate to Services > For Employees > Member Passbook, or you can go straight to the passbook link.
• Log in using your UAN, password, and the captcha code.
• You’ll find all your member IDs listed, showing accounts linked to your past and current employers.
• Select your current member ID to view your passbook.
• The passbook will show separate details for your contributions, your employer’s contributions, and the interest earned. You can also download the passbook as a PDF file.

Note: If your old employer’s member ID hasn’t been merged, its balance may appear as zero. You can merge it by submitting a transfer request online.

What If the Interest Isn’t Showing?

At times, even after the interest has been credited, it may not show up immediately in your passbook. You can:

• Wait a few days and check again later.
• If the interest still isn’t visible, submit an online complaint through the EPFO portal or get in touch with your nearest EPFO office for assistance.

Read more: EPFO 3.0: How Much Time Will EPF Withdrawal Claim Take to Be Settled?

Important Points to Remember About EPF Interest

• Interest is based on your account’s average yearly balance.
• The employer’s pension fund share doesn’t earn any interest.
• If you withdraw money, interest is added only up to the withdrawal date.
• The interest stays tax-free if your annual contribution doesn’t exceed ₹2.5 lakh, according to the old tax rules.

Conclusion

If you are an EPF member, now is the time to check your passbook and confirm your 8.25% interest has been credited. If you don’t see it yet, stay patient—it should reflect soon. If needed, use the EPFO portal or contact their office for support.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

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